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Written by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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Reviewed by:
John McCormick
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Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Question: What is the law for a prayer for judgment? Does this apply only to traffic citations or citations in general?

Answer:  You didn’t mention your state. However, the prayer for judgment (PJC) is unique to North Carolina.

What is a prayer for judgment? A prayer for judgment is a guilty plea that asks that the offense isn’t entered into the record against you. And prayer for judgments can only be used twice per household in a five-year time period.

But for the purpose of North Carolina car insurance, insurance companies typically only recognize one PJC per household every three years.

The conditions typically include that if, within a specific time period, the accused repeats the crime or a similar one, they will face both charges. However, if the accused stays clean for the time period the record is expunged, the accused will face no trial or punishment for the alleged offense. In North Carolina, the probationary time period is typically three years.

But the petition isn’t guaranteed — a PFJ can result in increased car insurance costs, license suspension and license points. And whether you receive a prayer for judgment continued is up to the court’s discretion.

If you have used the prayer for judgment plea for a traffic offense or other type of violation of the law in North Carolina, then you should have been advised of the conditions you must follow.

A prayer for judgment isn’t an option for a DWI charge or speeding tickets for driving more than 15 mph over the speed limit. And remember: A successful petition is not a guarantee and is at the judge’s mercy.

Resources & Methodology

Sources

Cotten Law Firm. “Prayer for Judgement in Raleigh.” Accessed November 2022.

— Michelle Megna contributed to this story.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.